Choosing between Resolve Pay, FundThrough, and Capchase starts with understanding what kind of cash flow problem your business is actually trying to solve. These platforms may appear in similar searches, but they are built for different operating models. A supplier selling inventory on invoice terms has very different needs from a software company financing annual contracts or a business factoring individual receivables for short-term liquidity. That is why the right comparison is less about surface-level labels and more about how each platform fits your sales motion, customer experience, and back-office workflow.
For B2B merchants, manufacturers, wholesalers, and distributors, the bigger issue is often not just access to capital. It is how to extend terms, assess buyer risk, protect cash flow, and keep receivables moving without adding manual work. That is where Resolve Pay net terms stands apart. Resolve Pay is built around seller-side B2B payments, embedded credit, receivables automation, and branded payment workflows. FundThrough is centered on invoice factoring, while Capchase is focused on SaaS revenue financing and installment-based software purchases. This comparison breaks down those differences so you can evaluate which model aligns best with your business, and why Resolve Pay is the strongest fit for B2B sellers that want to offer terms without slowing down operations.
The Resolve Pay vs FundThrough vs Capchase decision comes down to business model fit. Here is a side-by-side snapshot of where each platform is generally used.
|
Category |
Resolve Pay |
FundThrough |
Capchase |
|---|---|---|---|
|
Best For |
B2B suppliers needing net terms and AR automation |
Businesses using invoice factoring for working capital |
SaaS companies financing recurring revenue |
|
Primary Model |
Net terms, receivables automation, and embedded B2B payments |
Invoice factoring |
Revenue financing and B2B installment payments |
|
Non-Recourse Positioning |
Non-recourse cash advances on approved invoices |
Factoring-focused model |
Available on Capchase Pay for eligible software transactions |
|
Net Terms Support |
Net 30, 45, 60, and 90-day options across parts of the platform |
Not positioned as a net terms platform |
Installment-based buyer payments for software deals |
|
AR Automation |
Full workflow support |
Factoring-oriented workflow |
Billing and payment workflow support for SaaS use cases |
|
Funding Timing |
Upfront payment on approved invoices, often within a day |
Fast access to funds on eligible invoices |
Timelines vary by product and underwriting |
|
Integrations |
ERP, accounting, and ecommerce integrations including integrations for NetSuite, QuickBooks, Shopify, BigCommerce, and more |
Accounting-focused connections |
CRM and payment workflow integrations for SaaS use cases |
Resolve Pay is built for B2B sellers that want to offer net terms while keeping cash flow predictable and receivables organized. The platform combines credit decisioning, payment workflows, invoicing support, collections support, and automation into a single seller-side system. Across its product pages, Resolve Pay positions itself as a way to help merchants grow B2B sales, get paid faster, and reduce risk through embedded credit and receivables infrastructure.
That positioning matters because offering terms is not just a financing issue. It also affects checkout, buyer onboarding, invoice follow-up, reconciliation, and customer relationships. Resolve Pay addresses that broader workflow through tools for net terms management, B2B payments, credit checks, and AR automation.
FundThrough is generally evaluated as an invoice factoring provider. Businesses use it to upload or connect eligible invoices and access cash against those receivables. That model is most relevant for companies that want funding tied to invoices they have already issued rather than a platform built around extending net terms to buyers and managing the full receivables lifecycle.
In this comparison, FundThrough is best understood as a factoring option rather than a direct substitute for a seller-side B2B payments platform.
Capchase is aimed at software companies and subscription businesses. Its platform centers on SaaS cash flow, including financing against recurring revenue and enabling installment-style payments for software buyers. The company states that it has supported significant transaction volume and thousands of vendors and buyers on its platform, and it has highlighted product partnerships tied to the SaaS payment ecosystem, including its Stripe partnership.
That makes Capchase more relevant for software vendors closing annual contracts than for manufacturers, distributors, or wholesalers selling physical goods on invoice terms.
This table focuses on operational fit rather than headline labels.
|
Feature |
Resolve Pay |
FundThrough |
Capchase |
|---|---|---|---|
|
Core Use Case |
Seller-side B2B payments, net terms, and AR automation |
Invoice factoring |
SaaS financing and installment payments |
|
Customer Type |
Merchants, manufacturers, wholesalers, distributors |
Businesses funding outstanding invoices |
SaaS and subscription businesses |
|
Credit Workflow |
Embedded buyer credit decisions and account review workflows |
Eligibility review for factored invoices |
SaaS-focused underwriting and deal review |
|
Collections Support |
Built into the receivables workflow |
Invoice funding oriented |
Product-specific billing and collections support |
|
Buyer Experience |
Branded and embedded workflows across channels |
Factoring-led workflow |
Software payment experience for contract buyers |
|
Payment Methods |
ACH, wire, credit card, and check through Resolve workflows |
Varies by factoring workflow |
Product-dependent |
|
Integration Depth |
ERP, accounting, and ecommerce integrations |
Accounting-led connectivity |
CRM and software revenue stack connectivity |
|
Ideal Outcome |
Offer terms, protect cash flow, and automate receivables |
Unlock cash from unpaid invoices |
Accelerate SaaS contract cash collection |
Resolve Pay is designed around helping sellers offer terms to approved business buyers while keeping cash flow moving. That model is especially relevant when a business wants to increase purchasing power, streamline collections, and reduce the operational burden that usually comes with extending trade credit. Resolve Pay also describes itself as a factoring alternative, which reflects its position as a broader credit-to-cash platform rather than a conventional factoring service.
FundThrough’s model is generally based on advancing capital against outstanding receivables. That can make sense for businesses that want short-term liquidity without adopting a broader net terms and payments infrastructure. The emphasis is on funding invoices rather than managing ongoing buyer credit programs.
Capchase is structured around subscription revenue and annual contract value. For SaaS companies, that can align well with how deals are sold and billed. It is a more specialized fit than a general B2B seller platform because it is oriented around software revenue mechanics rather than broader B2B trade credit operations.
Integration depth is one of the biggest differences in this category. Resolve Pay highlights connections across ERP, accounting, and ecommerce systems, including QuickBooks, NetSuite, Sage Intacct, Xero, Magento, Shopify, BigCommerce, and WooCommerce through its integration stack. That matters because the value of receivables automation increases when invoice data, payment activity, and customer information flow through the systems finance teams already use.
For companies selling online or across hybrid channels, Resolve Pay also supports net terms for ecommerce, which helps bring buyer financing and receivables workflows closer to checkout.
FundThrough’s integration story is more closely associated with invoice factoring and accounting connections. That can be appropriate for businesses that only need invoice funding, but it is a different operational scope from a platform designed to manage credit, collections, and payments as part of a broader B2B sales workflow.
Capchase is more relevant to SaaS-oriented systems such as CRMs and recurring revenue workflows. That makes sense for software vendors, but it is a narrower use case than the multi-system finance and commerce workflows many distributors and manufacturers need.
Resolve Pay repeatedly describes approved cash advances as non-recourse in its product and brand materials. In practical terms, that means sellers are not expected to take back the advance on approved transactions in the same way they would under more traditional recourse-oriented arrangements. For B2B sellers offering terms at scale, that kind of protection matters because credit risk is part of the customer experience and the finance workflow, not just an isolated funding event.
Resolve Pay also frames this as part of a more complete B2B payments platform, where credit review, payment collection, and receivables support are managed together.
Because FundThrough and Capchase are built around different funding models, businesses should evaluate how repayment responsibility, customer communication, and default handling work in each product’s structure. That comparison is especially important when deciding between factoring, seller-side net terms, and software financing.
Resolve Pay is the strongest fit for businesses that sell to other businesses on invoice terms and want more than just funding. It is built for companies that need to:
These are the conditions where Resolve Pay’s broader workflow matters most. Instead of treating financing as a one-step transaction, Resolve Pay brings together credit management, payment orchestration, collections support, and automation
Resolve Pay is also a strong match for companies trying to modernize B2B checkout, digital invoicing, and customer payments at the same time. If your team is dealing with fragmented tools, manual collections, or inconsistent buyer approval processes, Resolve Pay offers a more unified path than using separate systems for funding, invoicing, and payment acceptance.
FundThrough is generally better suited to businesses that want invoice factoring rather than an embedded B2B payments and receivables platform. When the primary need is funding against existing invoices, that model can be appropriate.
Capchase makes the most sense for software businesses with recurring revenue models and annual contract structures. If the business problem revolves around SaaS cash collection and software payment flexibility, Capchase is the more relevant comparison.
For B2B sellers, the real decision is not only how to get cash faster. It is how to offer terms, manage buyer risk, streamline collections, and keep receivables moving without creating more manual work for finance teams. That is why Resolve Pay stands out in this comparison. It is built specifically for the seller side of B2B commerce, where payments, credit, invoicing, and customer experience all connect.
Resolve Pay combines:
For suppliers, distributors, and manufacturers that want a modern alternative to fragmented AR tools or traditional factoring workflows, Resolve Pay offers the most complete operational fit. Businesses exploring that path can start with Resolve for sellers or review the platform’s broader B2B payments capabilities.
Resolve Pay is built for B2B sellers that want to offer net terms and automate receivables workflows. FundThrough is generally used for invoice factoring. Capchase is focused on SaaS financing and installment-style software payments.
No. Resolve Pay is broader than financing alone. It combines net terms support, buyer credit workflows, invoicing, collections support, reconciliation, and payment acceptance in one platform. Businesses can also use Resolve Pay accounts receivable and business credit checks as part of that workflow.
Yes. Resolve Pay includes embedded credit review capabilities for business buyers. Its platform materials describe AI-supported credit assessments and workflows that help sellers evaluate buyers without creating a separate internal credit operation.
Resolve Pay is best suited to merchants, manufacturers, wholesalers, distributors, and other B2B sellers that extend invoice terms to customers and want a more efficient way to manage credit, payments, and receivables.
Because these platforms use different business models, exact pricing is not the best first filter. A better approach is to compare business model fit, workflow coverage, integration depth, and risk handling. For B2B sellers looking for a broad operational solution, Resolve Pay is positioned with competitive pricing alongside its net terms, payments, and AR automation capabilities.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.